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Marketplace health plans in Orange County, FL — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Orange County, Florida has 208 Marketplace health plans from 11 insurers: 69 bronze, 73 silver, 51 gold, 13 platinum, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $680.08 per month; the lowest bronze premium is $501.42.
What changed vs 2025
- Benchmark silver premium up $156.77 a month (+30.0%) from 2025
- 14 more plans than 2025
- Insurers entered: AmeriHealth Caritas Next, Oscar Health Maintenance Organization of Florida
- Insurers exited: Aetna CVS Health, Oscar Insurance Company of Florida
- Lowest bronze premium up $99.59 a month
Market snapshot
- Residents under 65
- 1,280,198
- Insurers
- 11
- Plans by metal level
- 69 bronze, 73 silver, 51 gold, 13 platinum, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $680.08/mo
- Lowest bronze premium, age 40, before subsidies
- $501.42/mo
- Lowest gold premium, age 40, before subsidies
- $623.75/mo
- Lowest silver deductible
- $400
- Lowest out-of-pocket maximum
- $2,250
Insurers in the county
- Florida Blue HMO (a BlueCross BlueShield FL company) — 35 plans (Bronze, Silver, Gold, Platinum)
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Ambetter Health — 26 plans (Bronze, Silver, Gold)
- Molina Healthcare — 19 plans (Bronze, Silver, Gold)
- Oscar Health Maintenance Organization of Florida — 19 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 17 plans (Bronze, Silver, Gold)
- Health First Commercial Plans, Inc. — 16 plans (Catastrophic, Bronze, Silver, Gold)
- AvMed — 14 plans (Bronze, Silver, Gold, Platinum)
- Wellpoint — 13 plans (Catastrophic, Bronze, Silver, Gold)
- AmeriHealth Caritas Next — 8 plans (Bronze, Silver, Gold)
- Cigna Healthcare — 8 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Catastrophic | Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) (36194FL0450003) | Health First Commercial Plans, Inc. | HMO | $330.34 | $10,600 | $10,600 | 2 |
|---|
| Bronze | Bronze Simple Breathe Easy with Enhanced COPD Benefits (21525FL0010006) | Oscar Health Maintenance Organization of Florida | HMO | $501.42 | $9,000 | $10,600 | 69 |
|---|
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $675.76 | $8,000 | $8,400 | 73 |
|---|
| Gold | Gold Simple | with AdventHealth (21525FL0010023) | Oscar Health Maintenance Organization of Florida | HMO | $623.75 | $3,000 | $9,950 | 51 |
|---|
| Platinum | AvMed Entrust Platinum 25 (2026) (19898FL0340020) | AvMed | HMO | $1,086.97 | $0 | $5,500 | 13 |
|---|
One plan per metal level shown, of 208 plans in the county.
Benchmark silver premium by age
The benchmark plan (Health First Commercial Plans, Inc.) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $532.15 | $557.69 | $603.98 | $680.08 | $950.41 | $1,444.24 |
Nearby counties
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About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.